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10 12th St, Richmond, CA, 94801

2beds
1baths
902sqft
$499,000
$553price/sqft
$3,378/moest. monthly cost
$135,120/yrincome needed

About This Home

Charming single-story home in the heart of Richmond on a 3,600+ sq ft lot. Built in 1913, this character-filled home features a fully remodeled kitchen, updated flooring, and a fresh coat of paint throughout the interior, along with abundant natural light, a functional layout, and a separate formal dining space. Separate laundry room and a basement room provide added flexibility and storage. Enjoy a dreamy backyard with lush fruit trees—perfect for entertaining, gardening, or relaxing outdoors. Conveniently located near shops, dining, public transportation, and major commuter routes. Great opportunity for first-time buyers, families, or investors with endless potential!

Getting Around

77
WalkingVery Walkable
56
TransitGood Transit
72
BikeVery Bikeable

Schools

6/10
1/10
2/10
Kennedy High SchoolGrades 9-121.7 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 1913

Materials

  • Roof: Other
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Gas Range,Microwave,Dryer,Washer
  • Laundry features: Laundry Room

Bathroom

  • Features: Shower Over Tub

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Formal Dining Room,Storage,Updated Kitchen
  • Flooring: Tile,Vinyl
  • Fireplace features: None

Heating & Cooling

  • Heating features: Other
  • Cooling features: None

Interior Area

  • Total structure area: 902
  • Total interior livable area: 902 sqft

Kitchen

  • Features: Stone Counters,Gas Range/Cooktop,Microwave,Updated Kitchen

Property

Details

  • Parcel number: 5403200198
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: Fenced

Lot

  • Lot size: 3,615 sqft
  • Features: Level,Back Yard

Parking

  • Total spaces: 1
  • Parking features: Attached,Side Yard Access,On Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Contra Costa County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,523$30,276
Home Insurance *$133$1,596
Property Taxes $324$3,888
Electricity $398$4,786
Total$3,378$40,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,817/yr
40% on housing$101,340/yr
45% on housing$90,080/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$553This listing

vs Other Active Listings

Avg $/sqft

ZIP 94801$289
Contra Costa County$420

vs Homes Sold Last Month

Median $/sqft

ZIP 94801$435
Contra Costa County$475

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-18Listed for sale$525,000

For Sale by Agent

AgentRebecca Loboschefsky
BrokerageKeller Williams Realty

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